Hello friends, I hope all of you are safe and healthy. Today you will read in this article Best Refer and Earn Apps in India 2023. If you will download these apps and start inviting friends then you will earn a lot of Paytm Cashback and real cash in your Bank Account.
I know many of you may be students who want to earn some money in addition to their daily work. We all use smartphones and we download many kinds of apps on our smartphones. There are many apps with the help of which we can get Paytm Cashback or Bank Cash through referral.
In India, there is a lot of UPI money transfer apps, online shopping app, and fantasy cricket apps available that comes with very good referral offer. If you want to earn some passive income then these ‘Refer and Earn Apps in India 2023‘ will be great for you.
In my opinion, money transfer apps and fantasy cricket apps are great to earn money in Bank. But online shopping apps, and Demat accounts like Upstox, Paytm Money, Groww, and Zerodha also run some good referral offers. And affiliate marketing apps like EarnKaro, CueLinks, and Zingoy also have good referral offers. If your referred friends purchase something from your link then you will earn a commission. That’s why I feel that money transfer apps and fantasy apps are great to earn instant money. At the same time, affiliate marketing apps will be very helpful if you want to earn money for a long period of time.
Best Refer and Earn Apps in India 2023
If you are a very old reader of my website, then you must be a YouTuber. I usually write videos and articles about earn money apps, fantasy cricket apps and refer and earn apps. In this list, I have mentioned about 10 apps that I have been using for a long time. If you download all these apps and start referring and earning, then you can earn a lot of money like me.
I have earned a lot of money through refer and earn programs from the below-mentioned apps. The best part about these apps is you can easily withdraw your money directly from your bank account. So there is no worry to think about how to transfer Paytm Wallet to Bank or something like that.
Also Read: Best Affiliate Programs in India
Refer and Earn Money Apps
|Refer and Earn Apps||Referral Cashback||Download App|
|1. Vision11||₹100 + 20% for lifetime||Download Vision11|
|2. Upstox||₹200||Download Upstox|
|3. 11Challengers||₹50 + 20% for lifetime||Download 11Challengers|
|4. ySense Survey||Upto 30% Commission||Join ySense Survey|
|5. Real11||Upto ₹5000||Download Real11|
|6. Zerodha||Upto 10% Brokerage Commission||Download Zerodha|
|7. GameZy||₹12516||Download GameZy|
|8. 5Paisa||₹200 + Upto 12.5% Brokerage Commission||Download 5Paisa|
|9. PhonePe||₹150||Download PhonePe|
|10. Groww||₹200||Download Groww|
|11. Paytm||₹100||Download Paytm|
|12. Google Pay||₹150||Download Google Pay|
|13. MobiKwik||₹75||Download MobiKwik|
|14. My11Circle||₹551||Download My11Circle|
|15. EarnKaro||10% for lifetime||Download EarnKaro|
|16. One Code||10% for lifetime||Download OneCode|
|17. Paytm First Games||Up to ₹500||Download PFG|
|18. Paytm Money||₹300||Download Paytm Money|
|19. Royal11||25% for lifetime||Download Royal11|
|20. MyFab11||20% for lifetime||Download MyFab11|
|21. Flipkart Pay Later||Up to ₹1500||Signup For Flipkart Pay Later|
|22. TimesPrime||₹350||Download App|
You must not hear about the Vision11 app. It is a fantasy cricket app. In this app, you can play fantasy games like fantasy cricket, football, basketball, baseball, handball etc.
Users can play fantasy games and earn money through this app. Apart from the fantasy games, you can earn money through the refer and earn offers too. Usually, you will get a ₹100 bonus for a new referral.
But as per the new referral policy, you will earn 20% of your friend’s deposit. It means if your friend deposits ₹100 in the Vision11 wallet, you will get ₹20 in your Vision11 winning balance. The minimum withdrawal on this app is ₹100. You can withdraw your winning balance on your Paytm App and Bank Account instantly.
Refer and Earn
- First of all, download the Vision11 App.
- Enter referral code SUVAM and register on this app.
- Tap on the ‘More’ section.
- Select the ‘Refer & Earn’ option.
- Share your Vision11 Invite Link with your friends.
- Once they signup through your link and deposit money, you will get a 20% winning balance.
If you are a regular viewer of some famous YouTube Vloggers then you may have seen the Upstox ad in their video. It is a mutual fund app. In this app, we can invest our money in stocks, mutual funds and IPOs.
We can earn money from this app by referring our friends and family members. If you share the Upstox Referral Code and referral link then you will get ₹600 in your wallet. You can withdraw this balance to your bank account whenever you want.
As per Upstox Refer and Earn offer terms and conditions, you will get your referral amount to your account when your friend’s account is opened successfully. They need to submit the correct details successfully to have a Upstox Demat and trading account.
Upstox Refer and Earn
- First of all, download the Upstox App.
- Create an account by uploading the correct details.
- After creating your Upstox Demat and trading account.
- Tap on the profile icon.
- Choose the ‘Refer and Earn’ tab.
- Share your Upstox referral link on WhatsApp or SMS.
- Once your referred friends complete their profile, you will get ₹300 in your Upstox account.
- If they invest some money then you will get ₹300 more from them.
- You can check your referrals and earnings on the ‘Your Earnings & Referrals’ tab.
Please remember Upstox changes its refer and earns an offer from time to time. So to earn ₹600 Upstox referral balance into your Bank try to share referral links fast.
How To Withdraw Upstox Referral Money
Please remember to withdraw your Upstox referral money, you must be an active Upstox user. You have to trade for the first time to activate your Upstox account. Otherwise, you can not withdraw your referral reward from your Upstox wallet to Bank. Firstly, I invested ₹500 in stocks and then after two days I took 2-3 times withdrawals and the money was successfully credited to my bank account within 2 days.
- First of all, open the Upstox app.
- Tap on the profile icon.
- Go to ‘Refer and Earn’.
- Check your ‘Total Cash Earned’ and ‘Withdrawable’.
- Then tap on ‘Take Out’.
- Select the ‘Got it’ option.
- Enter the amount and then confirm it.
- The referral money will be credited to your bank account within 3 working days.
This is a fantasy cricket application. In this app, you can earn money in your bank or Paytm cash by playing online games and referring friends. If you have some friends or members who love to play online games then you have a great chance to earn some passive income for your whole life through the 11Challengers fantasy app.
If you refer a user to play games on the 11Challengers fantasy app then you will get a ₹50 cash bonus. At the same time if they deposit money in their wallet then you will get 20% of the amount in your winning balance. You can withdraw all your earnings from the 11Challengers affiliate to your Bank account or Paytm wallet. The minimum withdrawal limit is ₹200.
Earn 20% Contest Commission
- First of all, download the 11Challengers App.
- Register or create an account.
- Enter 11Challengers Referral Code SUVAM.
- Tap on three lines and choose the Invite Friends option.
- Tap on Invite Via WhatsApp and share the link.
- Once your friend plays a cash contest you will get 20% of their contest commission.
4. ySense Survey
If you want to earn money by completing online surveys along with inviting friends then ySense will be the best option for you. It comes with a great referral program for all users. If you have some friends who want to earn money online by completing online surveys then you can recommend ySense and earn up to 30% ySense affiliate commission.
Your referred friends can complete paid surveys, and cash offers to earn money from ySense. And if they earn some you will get a 20% commission from them. If you work genuinely and if you get good results then they will increase your commission up to 30% for a referral. I feel the ySense survey is also the best refer and earn website for all users. Simply join the ySense Survey affiliate program and withdraw your earnings in PayPal or via Amazon Gift Cards.
After your referred friend’s signup, you will get $0.10 to $0.30 from selected countries. Once your invited friends earn their first $5.00 (excluding commissions and bonuses) you will also earn an extra $2.00 bonus.
5. Real11 Refer and Earn
It is a fantasy gaming app. You can play fantasy games and normal games like Ludo in this app. Gautam Gambhir is the brand ambassador of this app. It comes with a referral offer that may or may not be suitable for you. If you refer friends then you will get up to ₹3000 Xtracash and ₹2000 deposit cash for every referral. As you know you can only use a 10% to 20% cash bonus to join a contest. But you can use 10% Xtra Cash up to ₹3000 to join a contest. That’s how you can convert your referral bonus into real cash.
If you want to start your investment journey online then Zerodha will be the best option for you. It comes with a really nice interface for beginners friendly. From the Zerodha App, you can invest your money in Stocks, IPO, F&O etc on Zerodha. You can download Kite by Zerodha app from the play store and open a Demat account in Zerodha.
You have to pay a ₹200 Demat account opening fee. If you open your Demat account offline then you have to pay ₹400. After opening a Demat account in Zerodha you are ready to start investing online. I have written a blog on Zerodha. By reading that article you will know how to open a Demat account and start investing in Zerodha.
Zerodha Refer and Earn
If you refer a friend then you will earn 10% of the brokerage fee for a lifetime. Investors can withdraw this balance to their bank accounts.
- First of all, open the Kite by Zerodha app.
- Tap on the User ID or Profile section.
- Scroll down and then tap on the ‘Invite Friends’ option.
- Click on the ‘Share’ button.
- Share your referral link and earn a 10% brokerage commission.
7. GameZy Refer and Earn
GameZy is a gaming app. Apart from fantasy games, we can play many other different games on this app. I feel it is one of the best refer and earn apps in India 2023. You can play fantasy, rummy, poker, quiz, ludo and many other games in this app. If you refer friends then you will get a ₹12516 cash bonus. This bonus can be used to join any cash contest. The minimum withdrawal limit is ₹25. You will get your withdrawal into your Paytm wallet and Bank account within 3 hours. The best part about this app is you don’t have to pay any withdrawal charges.
This is also a stock brokerage in India. It charges a flat brokerage fee irrespective of the size, commodity or trade exchange. It comes with zero account opening charges and a flat ₹10 per executed order for mutual fund investment. In 5Paisa you can buy direct mutual funds and regular mutual funds. You have to pay some AMC charges too.
5 Paisa comes with three subscription plans. Such as the basic pack, power investor pack and ultra trader pack. These plans will help you a lot.
5Paisa Refer and Earn
The online stock brokerage company 5Paisa comes with a beautiful referral offer. If you refer a friend then you will earn ₹500 (for the first referral) and up to 40% brokerage fee for a lifetime. To refer a friend you need to open a Demat account in 5Paisa first.
There are three sections in the 5Paisa referral. Such as Star, Elite Club and Pro. Your referral commission will keep increasing if you refer more friends.
- First of all, open the 5Paisa App.
- Tap on the ‘User’ option.
- Scroll down and tap on the ‘Refer and Earn’ option.
- Copy your 5Paisa referral code.
- Now tap on the WhatsApp option and share the referral link.
- Once your friend completes their profile and opens their Demat account, you will get the reward.
|STAR||5 Friends||12.5% Brokerage Sharing|
|ELITE Club||6+ Friends||25% Brokerage Sharing|
|PRO Referrer||26+ Friends||40% Brokerage Sharing|
Apart from Google Pay, PhonePe is another most used UPI app in India. In this app, you can make a lot of different kinds of online payments. From Bank transfers to investments, gold purchases or in-app purchases, everything is possible through the PhonePe App.
PhonePe comes with a referral offer from the beginning days. If you refer your friends to join and make UPI payments through PhonePe, you will get cashback.
You will receive ₹100 in your PhonePe wallet for a successful referral. After that, you can easily transfer your PhonePe wallet balance to your Bank account within a few minutes.
PhonePe Refer and Earn Offer
- First of all, download the PhonePe App.
- Register and link your Bank account.
- Now tap on ‘Refer & Earn ₹100’.
- Tap on any social media icon and share your invite link.
- Once your referred friend joins through your link and makes their first UPI payment, you will receive ₹100 cashback in your PhonePe wallet.
10. Groww App
Groww is a mutual fund app. In this app, you can buy stocks, mutual funds, and digital gold. To refer and earn money from the Groww App you need to create an account here first. After that, you can easily earn money from the Groww App through referrals.
You will get ₹100 for a new referral once they signup through your link and activate their stocks account. The money will directly be deposited to both of your Groww balances. If you don’t make a withdrawal or invest the referral money then Groww will automatically deposit the money to your linked Bank account within some period of time.
Groww App Refer and Earn
- First of all, download the Groww App.
- Register and create your account.
- After submitting all the details, your account will be activated.
- Now tap on the profile icon.
- Scroll down and tap on the ”Share and earn cash rewards” option.
- You can check all your successful and pending invites on the About Invite tab.
- Both of you will receive ₹200 in your Groww balance once they complete their Groww account.
I don’t need to introduce you to this app. You all know a little bit about Paytm. There are very few things that we can’t do online with Paytm App.
From recharge, and bill payments to shopping, investment, games, digital gold, money transfer and a lot of things we can do from the Paytm App. Paytm has its own Payment Bank too. A lot of people use the Paytm App to receive and make payments, easy UPI money transfers and cashback offers.
Paytm recently launched a new referral offer. In this Paytm referral offer, if you refer your friends then you will get ₹100 cashback in your primary bank account. Apart from this, if you refer your friends to make a recharge or buy FasTag through the Paytm App then also you will get 2000 cashback points and ₹20 cashback.
Paytm Refer and Earn Offer
- First of all, download the Paytm App.
- create an account and link a Bank account.
- Scroll down and tap on ‘Refer & Earn ₹100’.
- Copy your invite link and share it on social media.
- If you refer a friend to make a UPI payment then you will get ₹100.
- If you refer a friend to recharge or buy FasTag then you will get 2000 cashback points and ₹20 cashback.
12. Google Pay
We can transfer money in various ways. UPI is one of the best money transfer ways in India. We can easily transfer our money from one bank account to another. Google Pay is one of the most loved UPI money transfer apps in India.
The reason why most of us prefer to transfer money through Google Pay is we have a chance to earn a scratch card for every transaction of ₹150 or more.
Google Pay has a refer and earn scheme too. This is an evergreen offer from Google Pay or Tez. But it changes its terms and conditions from time to time. All your earned cashback through Google Pay will be deposited to your primary bank account linked with UPI. Recently Google Pay has changed its referral policy. Now you will get ₹200 for a new referral and the person who will join through your link will also get ₹21 cash in their bank.
Google Pay Refer and Earn Offer
- First of all, download the Google Pay App.
- Register and link your Bank account.
- Now tap on the profile icon.
- Again click on the ‘Invite friends, get rewards’ option.
- Copy your Google Pay referral code and tap on ‘Share’.
- Share your Google Pay Refer and Earn link on WhatsApp and other social media platforms.
- Once they register through your link and make their first UPI payment you will get ₹200 cashback in Bank. At the same time, they will get ₹21 in their bank account too.
MobiKwik is also a Payment app. In this app, we can do a lot of things from online money transfers to recharge, and bill payments. MobiKwik recently changed its previous referral offer. And now they have relaunched the referral offer with new terms and conditions.
Now, if you refer your friends to MobiKwik and if they start inviting friends you will get ₹75 cashback in your MobiKwik Wallet. Also, the person who will join MobiKwik through your referral link will get ₹75 cashback in their MobiKwik wallet after their first UPI transfer. The minimum transfer amount is ₹75.
Please note that, if you have changed your UPI ID before on MobiKwik or if you have linked your Payment Bank on MobiKwik then you will know to earn any cashback. You can use your MobiKwik referral balance to recharge, LIC premiums, EMI payments, pay bills etc.
MobiKwik Refer and Earn Offer
- First of all, download the MobiKwik App.
- Create an account and link your Bank account.
- Now scroll down and find the ‘Refer & Earn’ option on the ‘Offers for you’ tab.
- Simply copy your invite link and share it on your social media.
- Once your referred friend makes their first UPI payment you will get ₹75 cashback.
- If they add money through your link you will receive ₹100 cashback.
It is a fantasy cricket app. In this app, you can play fantasy cricket, football and rummy. This app is also known as the Sourav Ganguly fantasy cricket app or Rummy Circle. In this app, you will earn ₹551 cashback directly in your bank account.
If you wish you can play fantasy cricket, football and rummy games on this app. But to earn ₹551 for a referral in the bank, there is no need to play or invest a single rupee. All you can do is through a referral.
You have to complete KYC with your PAN Card and Bank details. After that, you can withdraw your referral money from a Bank account.
The minimum withdrawal limit is ₹100. You will get only one free withdrawal per month. It will take up to 3-7 days to reflect the amount in your bank account.
My11Circle Refer and Earn
- First of all, download the My11Circle App.
- Create an account and complete your Profile.
- Now Tap on the ‘Refer & Earn’ section.
- Copy the Link or Share Invite Link on WhatsApp.
- If your friend plays for the first time, you will receive ₹51 in your wallet.
- After that, if they play of amount ₹40 or a total of ₹40, you will receive ₹4 in your wallet.
- In this way, you can earn ₹4 per friend 125 times if they play ₹40 amount 125 times.
If you want to join an affiliate program and earn money from sitting at home then EarnKaro is the best platform for you. As you know, you have to apply for approval for any particular affiliate program.
But in EarnKaro, there is no need to wait for approval. You can easily start promoting products link on your social media and earn money.
Apart from affiliate marketing, you can earn money from the EarnKaro App by referral too. In this case, you will earn 10% of the profit your friends make forever.
The minimum withdrawal limit is ₹10. You can easily withdraw your earnings from your Bank account.
EarnKaro Refer and Earn
- First of all, download the EarnKaro App and SignUp.
- Tap on the profile option.
- Now select the ‘My Referral’ option.
- Tap on ‘Refer & Earn Lifetime’.
- Share your referral link on Facebook, Telegram or WhatsApp.
- You will get 10% of the profit your friends make forever.
16. OneCode Referral Program
This is also a similar kind of application to EarnKaro. But you will get to see some different and trending brands that offer great referral benefits in this app. This is the beauty of the One Code app. Here you will get to see a lot of different brands like Upstox, Groww, Dhani, Paytm Money etc. By referring to these brands with the One Code unique link you will earn more cashback. Apart from this, you can also share the OneCode referral link with your friends and earn 10% of their earnings for life. I feel One Code is one of the best refer and earn apps in India. All of your earnings, referrals and pending profits can be seen in the app.
One Code Refer and Earn
- First of all, download the One Code app.
- Register with your email, mobile number and OTP.
- Verify KYC.
- Tap on the ‘Profile’ icon and then choose the ‘Share Now’ option.
- Simply share your OneCode referral link and referral code with friends.
- All your earnings will be sent to your Paytm Bank.
- If you want to promote any brand then first you have to complete training, give some answers and then you are ready to promote any brand.
17. Paytm First Games
It is an official gaming app from Paytm. We can play different types of online games in this app. From fantasy cricket, and rummy card games to puzzles, quizzes, and poker everything we can play in this Paytm First Games.
Sachin Tendulkar is the brand ambassador of the Paytm First Games App. This app comes with an amazing refer and earn offer.
If you refer friends to download and play games on the Paytm First Games then you will earn upto ₹500 cash. You can withdraw the winning cash on your Paytm wallet or Bank account once you get ₹100 or more winning balance.
The best part of the Paytm First Games is you don’t need to complete KYC if you have signed on to this app with your Paytm number. Also, you will get instant withdrawals in your Paytm wallet or Bank account.
Paytm First Games Refer and Earn Offer
- First of all, download the Paytm First Games APK.
- Sign up with your registered Paytm number.
- Tap on the three lines.
- Now select ‘Refer & Earn Cash’.
- Copy the Paytm First Games referral code and link.
- Share the invite link on your social media.
- Earn ₹500 for every new referral.
18. Paytm Money
It is an online discount broker with a simple pricing model. If you are a beginner and want to start your journey in the share market then I feel Paytm Money will be one of the best options for you. It offers a fixed brokerage plan to its customers. Paytm Money claims that they provide a low-cost trading option and their trading charges are low compared to others.
Users can open a Demat account on the Paytm Money app with their basic details like PAN Card number, Aadhar Number, a Mobile number linked with Aadhar etc. In this app, you can buy stocks, mutual funds and gold. Any user can log in to the Paytm Money app with their Paytm number or can sign up if they don’t have a Paytm account yet.
Paytm Money claims that users can upload their documents and within 24 hours their Demat account will be opened. You can set price alerts and create multiple watchlists to track real-time price changes up to 50 stocks. For the first time you have to add ₹50 funds into your account then you are ready to invest your money in stocks, equity or NPS.
Paytm Money Refer and Earn ₹300
A few weeks ago, a referral offer was not available in the Paytm Money app. But recently they have added this feature too. If you refer a friend then you will get up to ₹300 in your trading balance. Also, the person who will download the app through your link will also get a ₹100 in their trading balance. This cashback will be credited to your trading balance within 48 hours. If your friends do not complete their equity onboarding and first trading then both of you will get nothing. This referral offer is only for those people who have a Demat account.
- First of all, download the Paytm Money app.
- Register on this app.
- Complete your registratiton.
- Add funds and complete your first trading in the Paytm Money app.
- Now tap on the Refer and Earn option.
- Share your referral link with your friends.
- Earn up to ₹300 in your trading balance.
Terms and Conditions
- Paytm Money referral offer is only valid for those users who have a Demat account in this app.
- If your referred friend does not complete their Demat account and trades for the first time then both of you will get nothing.
- Cashback will be credited to your trading balance within 48 hours.
- You will receive a scratch card only after the successful registration of your referred friends.
- You will receive up to ₹300 by scratching the scratch card.
It is a new app in the fantasy market. You can play all types of fantasy games in this app. You will get a 25% referral commission for a lifetime and a ₹300 cash bonus. After completing KYC you can withdraw your earnings into a Paytm wallet and a Bank account. If you choose Paytm withdrawal and instant withdrawal then you have to pay some charges.
Recently Sanju Samson joins MyFab11. He is the brand ambassador of this app. It is also a fantasy app. If you share your invite link with your friends then you will get a 25% referral commission. All the referral commissions will be credited to your winning balance. After KYC verification you can withdraw your money into your Paytm wallet and Bank from ₹100.
21. Flipkart Pay Later
With buy now pay later you can purchase anything you need without paying the full amount. You also use pay later and other payment methods at the same time. Flipkart pay later can be used in shopping apps like Flipkart, Myntra, and shopsy. Flipkart allows you to pay the used within the 5th of every month.
Flipkart also allows you to earn up to Rs1500 Flipkart gift voucher for inviting your friends to pay later. You will earn your reward after your friends create their Flipkart accounts. They will need PAN Card, Adhaar Card and bank account. If they purchase products from Flipkart they can easily get a chance to create a pay later account.
22. Times Prime
People who have used cashback offers might know about Times Prime. This is a very popular website. Here you will get a lot of website subscription plans at a very cheap price. Times Prime also comes with a referral offer. If you refer a friend then you will get a ₹350 cashback in your KYC-verified Paytm wallet. Your friends need to enter a referral code in order to get a referral reward. They will get a ₹350 discount if they enter your unique referral code to join Times Prime. After joining they can refer any of their friends to subscribe to Times Prime. The referral reward worth ₹200 will be credited to your Paytm wallet within 7 days.
Times Prime Referral Link: [Click Here]
23. Rapido Bike Booking App
This is an app that will help you to book bikes, taxis and autos. The interface of this bike booking app is quite simple and easy. You just have to enter your pickup and drop location. Immediately, your booked bike, taxi or auto will come to your pickup location and they will drop you at your destination.
Rapido has a wallet and coins option in its app. You can book your taxi, auto or bike from Rapido wallet balance or UPI method. This app comes with a referral offer too. I don’t think it is one of the best refer and earn apps in India 2023. But because it has a referral option, so, you can use it. Every time you refer a new friend, you will get 50 in your wallet. Use Rapido referral code C9VDY1X and get cashback on your first ride. You will also get 25 rupees cashback and a discount on your bike, taxi and auto rides.
24. INDmoney Referral Program
The INDmoney investment advisory service is registered with Sebi. INDMoney is also one of the applications you can use to invest in stocks or mutual funds like any other demat account. However, with this platform, you can even invest in the US stock and ETFs.
Now coming to a referral bonus with INDmoeny Refer and Earn offer you can earn ₹500 for each referral. Whenever some signs up and invest ₹1000 you will get the referral reward.
25. ExtraPe Refer and Earn
This is an affiliate marketing website. Here you can join and send Amazon, Flipkart, and Myntra affiliate links to your audience and can make money. In terms of Flipkart affiliates, I feel this is one of the best.
Here you can earn a 10% commission for a new referral. If someone joins through your unique referral link and starts making money through ExtraPe affiliate then you will get 10% of their commission for a lifetime. Is not it interesting? So, go and check this out.
FAQs: Refer and Earn Apps
You can refer a friend and earn ₹100 cashback in your Bank account. Also, you can earn money by referring friends to some other apps like Paytm First Games, 11Challengers, GameZy, Vision11 etc.
You can earn ₹21 cashback in your Amazon pay balance for a new referral.
Upstox, Groww, Zerodha, and 5Paisa are some of the best refer and earn Demat accounts in India.
Upstox has reduced its referral offer. Previously it used to be ₹1200 for every referral. But now you will get only ₹600 for a new referral on Upstox.
You can only withdraw your referral balance into your Bank account after your first investment.
As of now, Paytm Money does not have any referral offers. But you can refer friends to join Paytm Money via OneCode and earn ₹300 for a new referral.